Apna Ghar Instalment Calculator
Apna Ghar (Mera Ghar, Mera Ashiana) lets first-time homeowners borrow up to Rs 10 million with the markup fixed at 5% for the first ten years, over a tenure of up to 20 years, with at least 10% of the price paid by you. Enter your property price and see the instalment before you talk to any bank.
Your Apna Ghar estimate
How this is calculated: standard reducing-balance instalments at the scheme's fixed 5% annual markup. After year 10 the remaining balance is repriced at the market rate of that time, which nobody can predict today; if your tenure is longer than 10 years, treat the later instalments as likely to rise and keep a margin in your budget. Size limits and the Rs 10 million cap follow the published scheme rules, checked October 2026.
Estimate only. This tool runs entirely in your browser and never asks for or sends your CNIC or personal data. It gives an estimate from the published rules, not an official decision. Final eligibility is always decided by the official survey, portal or department named in the guide below.
Where to go next
Read the full guide for this programme: Apna Ghar housing finance scheme. It covers the official process, the documents you need and the mistakes that get applications rejected.